Now compulsory, the ten-year guarantee protects the gardener against any defect or faulty workmanship affecting the solidity of the structure or rendering it unfit for its use.
The ten-year guarantee for landscape gardener, also called ten-year civil liability insurance, aims to cover for a period of 10 years the repair of damage observed after acceptance of the work and related to the building. What damages are covered? What is the price of this insurance? Answers.
Is the ten-year guarantee compulsory for the landscape gardener?
The landscape gardener carries out the technical operations of development and maintenance of green spaces, sports fields or road edges. Its main missions consist of preparing the soil, planting and protecting plants, installing the necessary equipment, carrying out light masonry, pruning trees and shrubs, and ensuring the maintenance of surfaces.
The Spinetta law of January 4, 1978 obliges these professionals to take out ten-year insurance before the start of construction of landscaped structures. This contract provides protection for a period of 10 years from the date of acceptance of the site.
Without a decennial insurance certificate, landscape gardeners will have difficulty winning a market through a call for tenders or convincing their private customers of their seriousness. Thus, it is better to anticipate by seeking several months in advance a guarantee adapted to its activity and its needs.
Damage covered by the ten-year guarantee for landscape gardener
In accordance with article 1792 of the Civil Code, the ten-year guarantee covers damage which affects the solidity of the building (lack of waterproofing, risk of collapse, etc.), which renders the property unsuitable for its intended purpose (water infiltration, insulation thermal or acoustic defective, etc.), which affect the elements of equipment inseparable from the structure (tiling, heating built into the masonry, etc.).
If the landscape gardener is required to take out a ten-year guarantee, for his part, the individual must take out work damage insurance to obtain compensation within a short period of time. Otherwise, he will have to wait for justice to decide on the responsibilities of each.
What is the price of a ten-year insurance?
The amount of the insurance premium depends on several criteria:
- The size of the business;
- The turnover achieved;
- The area of the activity ;
- The level of experience and skill;
- The processes implemented;
- The desired guarantees.
Depending on the aforementioned elements, the cost of a ten-year guarantee for landscape gardener is generally between 1,500 and 3,000 euros per year.
Tips for finding a ten-year guarantee at the best price
Do you want to find ten-year insurance for a landscape gardener at the best price? Before signing with an insurer, do not hesitate to play the competition. Indeed, the guarantees and the prices offered can vary significantly from one actor to another. To save time, it is recommended to use an online comparator. This tool allows you to receive quotes adapted to your activity by simply filling out an online form.
Another possibility: call on an experienced broker. This intermediary has a large network of partners and is able to negotiate insurance rates. He accompanies you from the subscription until the signing of the contract. Concretely, seeking the help of a ten-year guarantee broker does not commit you to anything since the latter is not remunerated by the banks or insurers until after the subscription.
As you can see, taking out a ten-year guarantee is essential when working as a landscape gardener. Do not hesitate, ask for several quotes online to take advantage of the best offer and win contracts.